who the banking 4.0 is made for? we make payments not because we feel the need to pay, but because it’s part of a longer chain. for instance, if we go to the doctor and pay for the consultation, our relationship is directly with the doctor, while the payment card, terminal, two banks, and the payment system are just infrastructure created to securely and reliably process the payment. the bitcoin blockchain concept has already shown that this task can be solved in other ways.

robots and ai. on one hand, we read futurists' predictions about robots soon taking all jobs, while on the other, we are constantly forced to work with low-quality software, acting as involuntary testers to ensure rapid growth. skynet won't be able to conquer humanity because it will be written on windows and a security patch will kill it at the most inopportune moment.

after going through the onboarding process in a dozen and a half payment services and banks, i noticed that almost no one has fine-tuned this process. there are almost always interface errors along the way - both logical and programming. even without considering the rather poor functionality - the extraordinarily low level of development and the total lack of testing is astonishing. the situation is simply beyond bad - the low quality of software products is essentially becoming fintech's common reputation.

who the banking 4.0 is made for? we make payments not because we feel the need to pay, but because it’s part of a longer chain. for instance, if we go to the doctor and pay for the consultation, our relationship is directly with the doctor, while the payment card, terminal, two banks, and the payment system are just infrastructure created to securely and reliably process the payment. the bitcoin blockchain concept has already shown that this task can be solved in other ways.

robots and ai. on one hand, we read futurists' predictions about robots soon taking all jobs, while on the other, we are constantly forced to work with low-quality software, acting as involuntary testers to ensure rapid growth. skynet won't be able to conquer humanity because it will be written on windows and a security patch will kill it at the most inopportune moment.

after going through the onboarding process in a dozen and a half payment services and banks, i noticed that almost no one has fine-tuned this process. there are almost always interface errors along the way - both logical and programming. even without considering the rather poor functionality - the extraordinarily low level of development and the total lack of testing is astonishing. the situation is simply beyond bad - the low quality of software products is essentially becoming fintech's common reputation.